426 Main Street Suite 2

Stoneham, MA 02180

Call: 781-438-1375

Fax: 781-438-6790

Mon - Fri: 9:00 - 5:00

Contact Us 24/7 Online

Massachusetts Auto Insurance Annual Check-Up

Share on facebook
Share on twitter
Share on linkedin
Share on email
Share on print


Auto Insurance Annual Check-Up

Auto Insurance Annual Check-Up for Complete Coverage

Your driving requirements change from one year to the next and your insurance coverage needs to keep up. You know it’s important to make regular appointments to have your car serviced so it will stay in great shape. Most people don’t think twice about having a yearly physical when they feel perfectly healthy. However, it’s easy to forget your financial well-being, which also needs to be checked regularly. An auto insurance annual check-up is designed to ensure you have sufficient protection in the event of a loss. It can also help save you money.

Signs It’s Time for an Auto Insurance Review

Your life is constantly changing. It happens a little bit at a time from day to day and month to month which makes it easy for small changes to morph into big lifestyle transformations without you even realizing how much has changed. Driving the same car as when you purchased the policy doesn’t mean your auto insurance needs haven’t changed. These are just a few lifestyle changes that can affect your auto insurance needs.

Growing Kids

You likely know that putting your teen behind the wheel means big changes in your auto insurance policy. However, you might not know all the details about timing or the options available for teen drivers. An annual insurance review allows you to discuss your growing family with your agent so you can get advice about exactly when to add your teen to the policy. Talking about your teen’s future plans will give your agent the information they need to help you choose the best type of coverage for your teen, as well.

Changing Jobs

A new job often means a commute and salary change. Most people don’t realize it could also affect your insurance rates. Changes in your daily driving habits can lead to lower premiums. Some common changes are a shorter commute, the use of a parking garage, using public transportation, and participating in a carpool.

A New Residence

If you moved to a different home, you probably made changes to the insurance policies that protect your home and possessions. However, you probably neglected to realize that a change in residence could affect your car insurance too. Where you park your car, how far you have to drive to work, and other new driving habits could mean changes for your auto insurance coverage.

Many other life changes also affect your insurance coverage and monthly premiums. Lower rates and new discounts become available regularly. A few other surprising reasons for an auto insurance checkup are milestone birthdays, your great driving record, your teen’s good grades, and even your credit.

Do I Really Need To Increase My Coverage?

It’s a common misconception that an annual car insurance review is just a scam to get you into the office so you’ll buy additional insurance you don’t actually need. This isn’t true at all. In fact, it’s common for yearly insurance checkups to reveal savings and discounts that actually save you money. Understanding your insurance coverage is a crucial detail in making sure you have the right protection for your entire family.

LoPriore is an independent insurance agency that works with a variety of insurance companies. These relationships allow us to provide customers with customized insurance packages that fit your lifestyle. Insurance is our passion, and we’re delighted with the opportunity to help our Massachusetts neighbors find the right coverage to protect their families at prices you can actually afford.

Making the Most of Your Auto Insurance Annual Check-Up

Auto Insurance Annual Check-Up

Your yearly auto insurance review provides you with an opportunity to discuss your coverage and premiums with your insurance agent. Asking the right questions helps ensure that you and your family have adequate protection at the best prices available. Take the time to cover these points during your annual auto insurance checkup.

  • The details of your existing coverage: Most people have a vague idea about what their car insurance covers. However, it’s common to have little understanding of the details involved. Your insurance agent can tell you everything you need to know about your policy and help you decide if you need a change. Understanding the coverage you have is the only way to decide whether it’s sufficient.
  • Available discounts: Lifestyle changes often make customers eligible for insurance discounts they aren’t even aware of. Be sure to ask your agent if you are eligible for new discounts or if they can help you find a company with additional discounts targeted at your situation.
  • The effects of deductibles: If you’re seeking lower premiums, your deductible amount might be a good place to start. A higher deductible typically leads to lower premiums. Conversely, you might consider changing your deductible if it’s been the same for years due to a financial past that no longer describes your situation.
  • Seeking expert advice: An independent insurance agent is in the position to provide you with honest, unbiased advice about your coverage and the protection you need for your family. If you feel unsure about anything from your premiums to your coverage or the company you’re working with, don’t hesitate to ask for advice. Your agent can help you understand the details or make changes, if necessary.

Learn More About an Auto Insurance Annual Check-Up

Your auto insurance annual check-up provides a great opportunity to share more information about your lifestyle. Then, you can get the coverage you need at a price you can afford. Waiting to discuss your auto insurance until after an accident can leave you underinsured and facing significant financial hardship. Annual reviews keep your auto insurance policy up to date and provide a layer of safety for you and your family.

If you think it’s time for your yearly auto insurance checkup, get in touch with us today. Our agents are standing by to answer your questions, provide a quick quote, or schedule an appointment. Don’t forget to ask about our wide variety of personal and commercial insurance policies.

Auto Insurance Annual Check-Up FAQs

See How Much You Can Save!

To learn more about how you can save on car insurance. Get in touch with the independent agents at LoPriore today. Our experienced insurance agents are available 24/7 to answer your questions, provide information about our auto insurance policies, or provide you with an instant quote.


Related Posts

Leave a Reply

Your email address will not be published. Required fields are marked *

Get The Latest Updates
Subscribe To Our Newsletter

About the Author

Are You Paying To Much For Insurance?

Talk with an Agent and see how we can help you save!

LoPriore Website Disclaimer:

LoPriore Insurance Agency, Inc. (“LoPriore”) maintains its website, blog, and social media presence for convenience and informational purposes only and none of the content displayed or viewed is to be considered to constitute professional advice or to form the basis of a professional relationship. Neither the use of any content provided nor the provision or submission of any information to or through LoPriore’s website, blog or social media accounts shall create any agency or professional relationship of any kind without LoPriore’s express written consent.  LoPriore makes no representations or warranties as to the accuracy, completeness, currency, suitability, or validity of any information published, posted or displayed and will not be liable for any errors, omissions, or delays in this information or for any losses, injuries, or damages arising from its display or use. No endorsement of any particular product or service mentioned is intended, implied or to be inferred. Any linked resources that may be included or referenced are for convenience only, are beyond the control of LoPriore and are to be accessed at the user’s own risk.

In accessing or using LoPriore’s blog, website or social media pages or accounts, user agrees not to interrupt, or attempt to interrupt, their operation in any way. Unauthorized use or modification of any information stored thereon is prohibited and may result in criminal and/or civil prosecution under applicable law. Use of LoPriore’s blog, website and/or social media pages are for lawful and legitimate purposes only and any unauthorized alteration of any data or information thereon or conduct of any activity that infringes upon any copyright, patent, trademark, service mark or other rights of any person or entity is expressly prohibited. Fair use with attribution is encouraged.  LoPriore’s blog, website and social media pages are not intended for use by anyone under the age of 18.  LoPriore reserves the right to limit or deny access to LoPriore’s blog, website and/or social media pages or to take other appropriate action for any violation of any provision herein or for any conduct or activity that violates the rights of any person or entity, or which in LoPriore’s sole discretion is deemed unlawful, offensive, threatening, abusive or potentially harmful or malicious. 

LoPriore operates its blog, website and social media pages from its offices in Massachusetts and makes no representations that information and/or content thereon are appropriate or available for use in other locations.  The display of or access to LoPriore’s blog, website and/or social media pages alone does not subject LoPriore to any specific jurisdiction. Access and use of LoPriore’s blog, website and/or social media pages are at the user’s own risk and LoPriore disclaims all liability for any viruses or other technical difficulties as may arise or result from access to or use of LoPriore’s blog, website and/or social media pages and expressly disclaims all liability for actions taken or not taken based on any or all of their content.  LoPriore’s blog, website and social media pages are owned by LoPriore with all rights reserved.